Security Bank to GCash: the fee, the limits and the steps, from official pages.
Short answer Sending money from Security Bank to GCash costs ₱0 for individual clients on the BSP’s current list of transfer fees, by InstaPay or PESONet. By InstaPay you can send up to ₱50,000 per transfer and ₱350,000 a day in the Security Bank app. Security Bank’s own help and fee pages still show ₱10 for InstaPay, so read the fee on the confirmation screen before you send.
By zpeso Desk · Official pages .
At a glance
- Fee, InstaPay, individual client₱0BSP ↗ ·
- Fee, PESONet, individual client₱0BSP ↗ ·
- InstaPay per transfer₱50,000Security Bank ↗ ·
- InstaPay per day in the app₱350,000Security Bank ↗ ·
- PESONet per day in the app₱500,000Security Bank ↗ ·
- PESONet same-day creditbefore 4:00 PM on a banking daySecurity Bank ↗ ·
- GCash account number to enteryour GCash mobile numberGCash ↗ ·
What it costs
The BSP’s Summary of Transfer Fees via Digital Channels lists Security Bank Corporation as FREE for individual clients on both InstaPay and PESONet (BSP ↗). BusinessWorld reported on July 9, 2026 that Security Bank was making fund transfers free for all its customers from July 10, 2026; regular individual clients had paid ₱10 for InstaPay and ₱10 for PESONet before (BusinessWorld ↗).
| Route | Fee for an individual client | Source |
|---|---|---|
| InstaPay from the Security Bank app to GCash | ₱0 | BSP list |
| PESONet from the Security Bank app to GCash | ₱0 | BSP list |
Two older fee lines remain on Security Bank’s site. Its InstaPay help page, , says a flat ₱10 applies to each InstaPay transfer to other banks or e-money wallets, and its PESONet help page, , says ₱50 (Security Bank ↗). The fees and charges page also lists ₱10 for InstaPay from January 11, 2026 and ₱50 for PESONet (Security Bank ↗). Check the fee shown before you confirm. The fees every other bank and e-wallet charge are on InstaPay and PESONet transfer fees.
How much you can send
Security Bank limits what leaves your account, and your GCash profile limits what comes in. Both apply to the same transfer.
- Security Bank, InstaPay: up to ₱50,000 per transaction and ₱350,000 per day in the Security Bank app, with multiple transfers allowed within your account’s daily limit (Security Bank ↗).
- Security Bank, PESONet: up to ₱500,000 per day in the app, with unlimited transfers inside that cap (Security Bank ↗).
- Eligible accounts: only peso savings and current accounts can send by InstaPay; foreign currency accounts and GoalSetter savings cannot. For PESONet, foreign currency and eSecureSavings accounts cannot send (Security Bank ↗).
GCash sets its own limits for money coming in through a bank transfer:
| GCash limit for InstaPay or PESONet cash in | InstaPay | PESONet |
|---|---|---|
| Per transaction | Up to ₱50,000 | Can be more than ₱50,000 |
| Daily incoming | ₱10,000 within 2 weeks of your first cash in, then ₱50,000 | Varies per bank |
| Monthly incoming | ₱100,000 (Fully Verified), ₱500,000 (GCash Plus) | ₱100,000 (Fully Verified), ₱500,000 (GCash Plus) |
Every GCash profile limit is on GCash limit by profile.
Steps
GCash describes the same path in any bank app; menu names can differ slightly:
- Log in to the Security Bank app and go to the money transfer section.
- Choose to transfer to other banks via InstaPay or PESONet.
- Choose GCash as the bank.
- Enter your GCash mobile number and the amount.
- Review the details and confirm.
- Enter the OTP sent by SMS or email and confirm.
Source: GCash Help Center ↗ ·
GCash sends an SMS to confirm the cash in. Security Bank sends two notifications for an InstaPay transfer: a confirmation when the transfer is submitted and a success notice by email and in the app once the funds are credited (Security Bank ↗).
Security Bank also publishes steps for linking a bank card in GCash under Cash In, then Bank Cards in My Linked Accounts (Security Bank ↗). That route moves money from your own card account into your own wallet.
How long it takes
- InstaPayright awaySecurity Bank processes InstaPay at any time of day, and GCash lists InstaPay cash ins as credited right away.
- PESONetsame banking day if sent before 4:00 PM PHTSecurity Bank credits transfers made before 4:00 PM on a banking day the same day; transfers after 4:00 PM, on weekends or on holidays are credited the next banking day. GCash describes PESONet cash ins as usually arriving the next banking day.
Source: Security Bank, When will the recipient receive the funds? ↗ · GCash ↗ ·
Other banks’ cut-offs are on PESONet cut-off times by bank, and the two rails are compared on PESONet vs InstaPay.
Warning InstaPay and PESONet send to the account number you type. Check your GCash mobile number before you confirm, and never share your OTP or MPIN with anyone who offers to speed up, cancel or reverse a transfer.
Tip For a time-sensitive transfer use InstaPay. A PESONet transfer sent after 4:00 PM, on a weekend or on a holiday is credited the next banking day.